What next for the 330i

dxb335d · 07-08-2007, 02:02 PM

Quote:

Originally Posted by peterg1965

To me it is a 'no brainer'. If you have the cash use that to buy the car. Regrettably, I do not own my house outright and do not have £40K of cash to buy my car outright, therefore for me its finance!

The only way you should ever take out finance is if it is at an APR lower than what you can make (net) in a savings account. On a BMW that is very unlikely.

What is your secret? I am 41, in a great job, with decent salary and have a F7*&^&*g huge mortgage

do you have a fookin 'HHHHOOOOOOOOOOOOOOOOOJJJJ' mortgage because you have a 'HHHHOOOOOOOOOOOOOOOOOOOJJJJJ' house???

BC4J · 07-08-2007, 02:59 PM

dxb - your keyboard's knackered bro.

Z4 Beemer · 07-08-2007, 03:07 PM

Quote:

Originally Posted by BC4J

dxb - your keyboard's knackered bro.

No, I don't think thats the explanation.

scooba0010 · 07-08-2007, 03:13 PM

i guess im a tight git and have worked 55hrs a wk for last 20 years ,my weakness is nice cars i have bought 9 new cars in the last 14 years and like everyone have lost thousands 6bmw ,1 mini,1 merc ml , and 1 landrover disco the last being a financial disaster ,i guess i married well as my wife is self sufficent £££££££ wise ,
I promise my self every time i buy a new car its the last time but always break my promise and go and buy another one the bmw x5 has turned in to a nightmare its taken a huge hit never mind it has to go so i can get my e90 325 msport

dxb335d · 07-08-2007, 03:32 PM

HHHHOOOOOOOOOJJJJJ is a another word for huge, could you not see that?

peterg1965 · 07-08-2007, 03:40 PM

Quote:

Originally Posted by dxb335d

HHHHOOOOOOOOOJJJJJ is a another word for huge, could you not see that?

Carl, for what it's worth I knew what you were saying. It is your essex dialect, it obviuosly confuses some people

Oh, and my house is HHHHHHOOOOOJJJJJJJJ..... for the north. We are the first in our street to have an inside bog

dxb335d · 07-08-2007, 04:19 PM

Quote:

Originally Posted by peterg1965

Carl, for what it's worth I knew what you were saying. It is your essex dialect, it obviuosly confuses some people

Oh, and my house is HHHHHHOOOOOJJJJJJJJ..... for the north. We are the first in our street to have an inside bog

ace mate, im so happy for you

i lived ooop norf once, and i remember getting our first 'inside bog'

Carl

Z4 Beemer · 07-08-2007, 04:20 PM

We ain't even on the electric up here yet.

dxb335d · 07-08-2007, 04:34 PM

Quote:

Originally Posted by Z4 Beemer

We ain't even on the electric up here yet.

what do you use?? candles?

were ok down here, lots of people from the local cambridge uni sorted leccy out for us few years back now

Carl

NFS · 07-09-2007, 05:07 AM

Quote:

Originally Posted by silverbmwz3

But if you get rid of the 330i presumably you won't get 30k for it so you'll need to put a chunk of cash and explain that anyway?!

I won't get back what I paid for it obviously, but it should clear it's finance.

Quote:

Originally Posted by Steve Ashton

NFS i have the solution.

get rid of the mrs and buy what the fuck you want!!! SORTED

Interesting idea, but maybe a bit extreme. I know someone who did this though and he now has a very nice Cayman S.

Quote:

Originally Posted by peterg1965

To me it is a 'no brainer'. If you have the cash use that to buy the car. Regrettably, I do not own my house outright and do not have £40K of cash to buy my car outright, therefore for me its finance!

The only way you should ever take out finance is if it is at an APR lower than what you can make (net) in a savings account. On a BMW that is very unlikely.

What is your secret? I am 41, in a great job, with decent salary and have a F7*&^&*g huge mortgage

The benefits of paying cash for a car are simply the difference between the interest you are paying on the finance and the interest you could have earned if you had invested the money instead.

That margin is actually fairly small and personally, I would prefer to forgoe it and keep that cash fluid in case of emergencies. Plus my car 'income' is a monthly allowance in leiu of a company car, so it barely touches my account before BMW snaffle it away.

Although property is slightly different in that it appreciates rather than depreciates, I also see my mortgage as an alternative savings account.

What savings I have can earn interest in the building society and that interest partially offsets the interest I pay on my mortgage. Again, my finances are fluid so I don't need to sell the house to get to my savings. The element of my monthly payment that reduces the principle of the loan is effectively increasing my equity in the property and so is just like a savings account.

Mortgage debt is particularly cheap, so it would be the last thing I would consider paying off (if I could).

NFS · 07-09-2007, 05:09 AM

Quote:

Originally Posted by dxb335d

what do you use?? candles?

were ok down here, lots of people from the local cambridge uni sorted leccy out for us few years back now

Carl

Carl,

Are you sure you mean Cambridge. I only say this because last time I looked it was quite far from Essex.

NFS

dxb335d · 07-09-2007, 12:33 PM

aha that is where you are wrong

im on the essex / cambridgeshie border

i am 15 mins (bout 12miles) from cambridge city centre, and what a posh lovely place that is

i love in the one of the most nicest parts of essex, expensive too!

why does everyone assume that if your from essex you wear white high heels (the birds that is) drive and xr3i and live the shitwhole which is southend !!

i have an essex accent but i wouldnt say i sound common

Carl

DervFan · 07-09-2007, 12:51 PM

Quote:

Originally Posted by dxb335d

aha that is where you are wrong
why does everyone assume that if your from essex you wear white high heels (the birds that is) drive and xr3i and live the shitwhole which is southend !!
Carl

Stereotypes mate, just like Northerners with their indoor

.

I too am from your neck of the woods. When our daughter was born, we had the choice of Harlow (aka as Beirut) or Cambridge Hospitals. Not wishing to cast aspersions at our fellow Essex brothers, but it was a no-brainer really. North Essex has more in common with Cambridge/Hertfordshire than with the rest of the county

Z4 Beemer · 07-09-2007, 01:34 PM

Quote:

Originally Posted by needforspeed

Carl,

Are you sure you mean Cambridge. I only say this because last time I looked it was quite far from Essex.

NFS

I wondered this myself, but didn't have the energy or inclination to ask!

Quote:

Originally Posted by dxb335d

aha that is where you are wrong

im on the essex / cambridgeshie border

i am 15 mins (bout 12miles) from cambridge city centre, and what a posh lovely place that is

i love in the one of the most nicest parts of essex, expensive too!

why does everyone assume that if your from essex you wear white high heels (the birds that is) drive and xr3i and live the shitwhole which is southend !!

i have an essex accent but i wouldnt say i sound common

Carl

So you own your own Essex mansion?

dxb335d · 07-09-2007, 01:59 PM

i dont bud, mum and dad have few houses ,

i still live at home thank fuck

peterg1965 · 07-09-2007, 03:50 PM

Quote:

Originally Posted by dxb335d

i dont bud, mum and dad have few houses ,

i still live at home thank fuck

Carl, you have a way with words my friend!

dxb335d · 07-09-2007, 05:06 PM

sorry for the swearing

peterg1965 · 07-09-2007, 05:06 PM

Quote:

Originally Posted by dxb335d

sorry for the swearing

Forgiven, now tell us about your day....

dxb335d · 07-09-2007, 05:10 PM

what in the office?

peterg1965 · 07-09-2007, 05:11 PM

Quote:

Originally Posted by dxb335d

what in the office?

Yup, what happened at your 'meeting' with your manager?

dxb335d · 07-09-2007, 05:17 PM

go to the other thread peter and ill enlighten you

silverbmwz3 · 07-10-2007, 08:30 AM

Quote:

Originally Posted by dxb335d

why does everyone assume that if your from essex you wear white high heels (the birds that is) drive and xr3i and live the shitwhole which is southend !!
Carl

Is that an assumption? I thought it was fact.

:-p

07-08-2007, 02:59 PM	#90
BC4J Captain 59 Rep 793 Posts Drives: F30 328i Join Date: Apr 2007 Location: Berkshire iTrader: (0) Garage List 2007 E90 335d [0.00]	dxb - your keyboard's knackered bro. __________________ Behold! F30 328i M-Sport - Tanzanite Blue with Opal White Leather
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07-08-2007, 03:13 PM	#92
scooba0010 Colonel 158 Rep 2,349 Posts Drives: F32 430D-MOTORSPORT Join Date: Jun 2007 Location: UK iTrader: (1)	my secret i guess im a tight git and have worked 55hrs a wk for last 20 years ,my weakness is nice cars i have bought 9 new cars in the last 14 years and like everyone have lost thousands 6bmw ,1 mini,1 merc ml , and 1 landrover disco the last being a financial disaster ,i guess i married well as my wife is self sufficent £££££££ wise , I promise my self every time i buy a new car its the last time but always break my promise and go and buy another one the bmw x5 has turned in to a nightmare its taken a huge hit never mind it has to go so i can get my e90 325 msport
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07-08-2007, 03:32 PM	#93
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07-08-2007, 04:20 PM	#96
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07-09-2007, 12:33 PM	#100
dxb335d The Tarmac Terrorist 998 Rep 29,344 Posts Drives: 997.2 GT3 Join Date: Mar 2007 Location: ''Fandango Towers'' iTrader: (3) Garage List 2010 Porsche 997.2 GT3 [9.50] 2003 BMW E46 M3 [6.00] 2007 BMW E92 335D [5.50]	aha that is where you are wrong im on the essex / cambridgeshie border i am 15 mins (bout 12miles) from cambridge city centre, and what a posh lovely place that is i love in the one of the most nicest parts of essex, expensive too! why does everyone assume that if your from essex you wear white high heels (the birds that is) drive and xr3i and live the shitwhole which is southend !! i have an essex accent but i wouldnt say i sound common Carl __________________ 997.2 GT3
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07-09-2007, 01:59 PM	#103
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07-09-2007, 05:06 PM	#105
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07-09-2007, 05:10 PM	#107
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07-09-2007, 05:17 PM	#109
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